Home loans
An appropriate loan structure can significantly impact the overall cost of your mortgage. With access to an extensive range of lenders, assistance is available to compare and select a home loan that meets your requirements.
Our panel of lenders
With access to over 50 leading lenders, including the big four banks, we can help you get a loan that suits your individual circumstances.
Support for every stage of your financial journey - Australia Wide
At UGrow Finance, we help individuals, families, and businesses access finance solutions tailored to their needs, with clear advice, practical options, and personalised guidance across home loans, personal lending, business finance, and investment lending. More than arranging finance, we work alongside you to simplify the process, support informed decisions, and help you plan for long-term financial growth. Whilst we are proudly located in Melbourne, we happily service clients Australia wide.
Speak to a broker
Uzma Sattar
Director/Mortgage Broker
Uzma brings nearly 20 years of experience working with clients, delivering tailored solutions throughout her professional career.
She takes the time to understand each client’s unique circumstances, ensuring they feel supported and confident at every stage.
She is passionate about guiding clients through every stage of their financial journey, from purchasing their first home to expanding or restructuring their portfolio while supporting them in building and growing their property portfolios with care.
At UGrow Finance, she is committed to delivering genuine, client-focused support in every interaction, built on trust and empathy.
Our services
Comprehensive assistance is available for all your finance and home loan requirements across various services. Regardless of your background, the experienced team is dedicated to identifying the most suitable options for your individual circumstances.
First home buyers
Selecting a home is a significant choice, and obtaining the right mortgage is equally vital. With connections to more than 40 lenders, assistance is available to secure a favourable deal or to identify the ideal lender for your first home.
Refinance
As a mortgage brokerage, competitive rates and an extensive array of products are offered to clients. By not refinancing, substantial savings could be missed each year, so reach out for more information today.
Investing
Numerous Australians are eager to enhance their financial futures through real estate investment. With various products and lenders available, now presents an excellent opportunity to strategically grow your investment property portfolio.
Pre approval
Gaining pre-approval provides clarity on your borrowing capacity before making offers. Support will be offered throughout the process, including application preparation and liaising with lenders to secure an approval.
Personal loans
Whether managing existing debt, funding a significant expense, renovating a property, or making a large purchase, a personal loan can assist in distributing costs into manageable repayments with a clear repayment timeline.
Commercial loans
Commercial financing is seldom uniform – the ideal solution hinges on your business model, cash flow, financial health, and the particular asset being financed, making correct loan setup essential.
Construction loans
Constructing a property involves a distinct lending framework, with progress payments required at various phases. Assistance is available to facilitate approvals and liaise with your lender to ensure that funding aligns with your construction schedule.
Business lending
Securing finance can enhance cash flow management, facilitate operational growth, or enable new ventures. An evaluation of your requirements will help identify business lending options that fit your operational model.
Vehicle finance
Securing the right finance for a vehicle, whether for personal use or business purposes, can lead to more favourable rates, lower overall costs, and manageable repayment plans.
SMSF finance
Acquiring property through a self-managed super fund requires adherence to specific regulations and a unique loan arrangement. Guidance is available to help navigate SMSF lending options and clarify the process.
Asset finance
Utilising asset finance allows the purchase of essential equipment without impacting cash flow, covering everything from machinery and technology to tools and fitouts. Assistance is available to determine the most suitable structure for your needs.
Debt consolidation services
Many individuals find themselves overwhelmed by various debts. Consolidating these into a single payment can alleviate stress and improve financial clarity. This process not only simplifies tracking but can.
The process made easy
Getting a loan with our experts
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01
Get in touch with our team
15 minsContact our experts by filling out an online form or sending us an email today.
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02
Complete a fact finder form
45 minsA member of our team will forward you the necessary onboarding and fact finder documents and assist you in completing them.
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03
We review and provide options
2 daysWe assess the documents and then provide you with your borrowing capacity along with a selection of lender options.
Are you paying too much on your current home loan?
We offer a no-cost assessment of your home loan to review your current mortgage, interest rate and overall loan structure, then compare it against options our panel of lenders to see whether there’s a better fit. If there’s an opportunity to reduce your repayments or cut fees, we’ll explain the numbers clearly and guide you through the next steps. Get in touch today and you could save thousands of dollars.
Get in touch
Some of our mortgage broking service areas in Melbourne
Although we service clients Australia wide, we support local areas across Melbourne with lender access, home loan help and finance options tailored to our local community.
Updates & Insights
Keep informed with the latest updates and important insights from the industry.
Living Overseas? How Australian Expats Can Invest in Property Back Home
Car and Business Vehicle Finance Before Year-End
RBA Cash Rate Changes and Your Home Loan
Investment Property Finance in 2026
Deciding whether to refinance or stay put?
Frequently asked questions
Alongside providing competitive rates, we take pride in being readily available to assist with any queries you may have throughout your loan’s duration. We welcome both first-time buyers and seasoned investors alike – regardless of your experience, we are dedicated to supporting you whenever needed.
A broker is a finance expert who collaborates with you to explore your borrowing objectives and help you ascertain the amount you can borrow. They generally offer a more customised service than what you might receive directly from a lender and have access to a range of loans from various lenders, enabling them to secure the most suitable terms for your specific circumstances.
There are no additional repayments or charges when obtaining a loan through a broker. Brokers earn a commission from the lender for bringing in new business, but this does not influence your interest rate or any other terms of the loan agreement.
Engaging a broker comes at no cost to you, as the lender compensates your broker. With access to a wide array of loan products from numerous lenders, brokers are equipped to identify the most suitable loan for your individual needs. Typically, this involves a blend of the most competitive rate available at that time along with features that best suit your requirements.
Some brokers may impose service fees, which should be clearly communicated prior to the provision of their services.
While our borrowing calculator can provide a general idea of your potential borrowing capacity, for a more accurate evaluation, please reach out to our team. We can discuss your options in detail and explore your specific circumstances together.
As the name implies, variable-rate home loans feature interest rates that fluctuate over time. They often provide more flexibility compared to other loan types, offering features such as redraw facilities and the option for extra repayments. However, they lack fixed repayment amounts.
Conversely, fixed-rate home loans ensure predictable monthly payments – you will know exactly what your repayment will be for the entire loan term. While these loans may not offer as much flexibility in terms of features, they provide borrowers with certainty for budgeting their repayments.
When deciding which type of loan suits you best, consider what matters most—whether it’s flexibility or stability in monthly repayments.
Through our connection with a mortgage aggregator, we have the opportunity to access loan options from over 40 lenders. This allows us to assist you in identifying several viable options tailored to your unique situation.
Contact us
If you have inquiries, need further details, or are ready to begin your journey, we are here to assist.
Opt for a chat, email, or a brief message, we’re ready to connect and offer any help or personalised assistance you require. Select your preferred contact method and speak to our team today.